an act of Congress in 1974, the U.S. Department of Housing and Urban
Development (HUD) was designated as the government agency to oversee
the Federal Manufactured Housing Program. The area within HUD responsible
for the oversight function is the Office of Regulatory Affairs and
Manufactured Housing, Office of Manufactured Housing. Most States
have a State Administrative Agency (SAA) that administers the HUD
program in that State. A listing of the SAAs can be found in the
homeowner's manual that is provided with each new home.
Question: What is a manufactured home?
Answer: A manufactured home (formerly known as a mobile home) is built to
the Manufactured Home Construction and Safety Standards (HUD Code)
and displays a red certification label on the exterior of each transportable
section. Manufactured homes are built in the controlled environment
of a manufacturing plant and are transported in one or more sections
on a permanent chassis.
Question: May the Retailer Make Alterations to a New Home?
Answer: Retailers may make alterations,
but must carefully ensure that the change complies with the HUD
Code. If an alteration does not comply with the HUD Code, the home
cannot be sold or offered for sale. If you have a question about
an alteration to your home, contact the home manufacturer, the SAA,
or HUD for assistance. An alteration is defined as the replacement,
addition, modification, or removal of any equipment or installation,
after sale by a manufacturer to a retailer, but prior to sale by
the retailer to a purchaser, that may affect the construction; fire
safety; occupancy; or plumbing, heating, or electrical systems.
Question: Am I Permitted to Relocate My Home to Another Site or Even Another
Answer: Yes, when a home is going to
be relocated , it is crucial to check with the appropriate authorities
having jurisdiction regarding transportation of manufactured homes
and applicable zoning regulations regarding placement of the home.
There are State laws that regulate the weight, size, running gear,
and width of homes being transported on State highways. Also, the
data plate zone maps located in the home indicate the zones for
which the home was constructed. A manufactured home should never
be placed in a more restrictive wind, thermal, or roof load zone
than that for which it was built.
Question: What Are My Options for Financing the Purchase of a Manufactured
There are many alternatives
for financing your home, including a growing number of lending institutions
that are providing conventional and government-insured financing
plans for prospective owners. The most common method of financing
a manufactured home is through a retail installment contract, available
through your retailer. Some lending institutions that offer conventional,
long-term real estate mortgages may require the homes to be placed
on approved foundations. Manufactured homes are eligible for government-insured
loans offered by the Federal
Housing Administration (FHA), the Veterans
Administration (VA), and the Rural
Housing Services (RHS) under the U.S. Department of Agriculture.
additional assistance, you may wish to contact HUD's Housing
Counseling Clearinghouse. HUD-approved housing counseling agencies
provide housing counseling to renters, first-time buyers, and homeowners.
Homeowners with problems that could result in default of their mortgage
or foreclosure on their property need to contact a HUD-approved
housing counseling agency immediately. HUD's Housing Counseling
Clearinghouse operates a toll-free 24-hour-a-day automated voice
response system that provides referrals to local housing counseling
agencies, at (800) 569-4287. Referrals are also available to Spanish-speaking
localizar el centro de consejeria sobre vivienda mas
cercano y aprobado por HUD, llame al (800) 569-4287.
Siga las instrucciones para personas de habla hispana.